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RE: Money. - 7/9/2006 12:21:30 PM

MHOO314

Posts: 3628
Joined: 9/26/2004
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quote:

ORIGINAL: Caretakr

quote:

ORIGINAL: CrappyDom

A significant factor in the vapid rise in real estate are the interest only loans that allow people to buy more house for the money. Well, when there is more money chasing the same amount of houses, you have the basic recipe for inflation and it drove the cost of houses through the roof. I sold a tiny 850sf house in Sacramento's urban core for $325k, a house that six years earlier was worth only 80k. When the economy adjusts for all the bullshit of the last 8 years, there are going to be some horrendous economic costs and people with the wrong kind of debt are going to be seriously fucked.

I'm waiting for a serious break in the housing market in the next three years. All it's going to take is another short recession, and layoffs. And once the forecloures start to flood the market, housing values are going to tumble. Most people these days have no cash reserves, unemployment won't pay a mortgage.

It's my understanding that a vast percentage of people live about two paychecks away from destituion.

I agree completely, actually most middle class people live one paycheck away from bankruptcy here in the US, I have seen more than My share of well paid peers end up in homeless shelters due to resource actions. As for the housing market, yep, it is predicted to start falling this time next year and there will be NO buyers, foreclosures will be the norm.

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RE: Money. - 7/9/2006 1:02:33 PM

meatcleaver

Posts: 9030
Joined: 3/13/2006
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quote:

ORIGINAL: Level

Ah, thanks for the info. I bet that does sting lol, some over here duck and dodge to just get under a certain bracket.

I've got a friend who ducked and dived and got hit with a 25,000 euro tax bill and told to prove he doesn't owe it. He's getting a lawyer which is costing him more money. I doubt he owes anywhere near that much but knowing him he tried to pull a fast one. The taxmen are like the Gestapo here.

He's trying to plead innocent with me but don't we all lol.

< Message edited by meatcleaver -- 7/9/2006 1:03:57 PM >

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Post #: 102

RE: Money. - 7/9/2006 3:38:37 PM

MstrTiger

Posts: 417
Joined: 1/14/2006
From: UK
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I cant believe someone would actually try to work out a price plan for them to be able to practice their sexuality it is so beyond stupid in my opinion all someone really needs to be a master is a slave and an imagination and some common sense, it is an aspect of someone’s inner self and not something that you can become by throwing money/training at. Given that the majority of people now have access to the internet people don’t even need to buy books anymore to look for practical advice on the subject.

The whole idea smells of Oooooooo I wanna be a Master that looks cool, rather than displaying the sexual and emotional motivations that I think people should really have.

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Post #: 103

RE: Money. - 7/9/2006 6:13:11 PM

sweetbbwsub31

Posts: 331
Joined: 3/22/2006
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quote:

ORIGINAL: CrappyDom

Gee, I haven't been getting any lately, I wonder what I could do? I mean I have shitloads of money and actually know enough to get my jacket sleeves tailored to the right length, I mean that should be enough to get me elbow deep in pussy and I can't think of ANY other reason they would be blowing me off.

SO, what should I do? Oh I know, perhaps I will write a post that discreetly but transparently enough that the sluts will see I have money and spend it on the little whores. Yeah, that should get some more notches on the little guy. I will mask it in some insipid post about how poor other guys are and that should mask it enough for the whole charade to work.

I mean, it has to work better than developing a personality and fixing all those things my ex girlfriends keep yelling at me as they run screaming down the street.

Crappy Dom,

You never fail to make me laugh so hard I almost fall out of the chair.

sub tara

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Post #: 104

RE: Money. - 7/9/2006 6:19:07 PM

sweetbbwsub31

Posts: 331
Joined: 3/22/2006
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quote:

ORIGINAL: enigmabrat

::giggles and starts a crappy fan club::

smiles and joins the fan club

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Post #: 105

RE: Money. - 7/9/2006 6:42:23 PM

Sinergy

Posts: 9383
Joined: 4/26/2004
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quote:

ORIGINAL: Caretakr

I'm waiting for a serious break in the housing market in the next three years. All it's going to take is another short recession, and layoffs. And once the forecloures start to flood the market, housing values are going to tumble. Most people these days have no cash reserves, unemployment won't pay a mortgage.

It's my understanding that a vast percentage of people live about two paychecks away from destituion.

Im sorry, did I miss the last 5 years of the Bush Depression?

Sorry, Clear Channel insists that the Emperor (Monkeyboy) is wearing clothes.

Just me, could be wrong, but...

Sinergy

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Post #: 106

RE: Money. - 7/9/2006 7:26:11 PM

popeye1250

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Level, here in Myrtle Beach,SC we have a lot of people moving into the area from high cost areas up North, Florida and Calif.
You can buy three houses here, nice ones, for the price of one in those areas. That tells me that our prices are too low or the prices in those areas are too high.
One thing I look at in the way of "indicators" is the "inbound" and "outbound" lists of big movers like United Van Lines and Mayflower and companies like that.
That means are people moving "in" to a state or "out" of a state.
The Carolinas, Georgia, Kentucky and a few others are "inbound" states while states like Mass, NY, NJ, Calif, Fla and others are outbound states.
The biggest drop in real estate will be in Calif, parts of Florida and most of the North East especially Ny and Boston.

Susan, good posts. Yes, you need to know how to save and manage money.
I grew up poor in Boston, my father being a Firefighter in the 50's, 60's and 70's when the job didn't pay that much.
We were always taught to save money from whatever we made after school. Never got "allowance" That's a great habit to instill in "unmentionables" as you call them. It's done me very well in life. I manage to save about a third of what I make now due to my circumstances and I just bought a new car and paid cash for it. If I want to do something like take a trip I know the money is there to do it.
If you guys want a very high yield on a stock of a growing company (17%) look up (NAT.)

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Post #: 107

RE: Money. - 7/9/2006 7:50:45 PM

SusanofO

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Joined: 12/19/2005
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Thanks. Learning (finally) how to manage money was a big coup for me, as I was never taught anything about that at all at home; of course I was a Business major in school, so I can't blame it all on lack of education. I did get an allowance, but I am the one who usually blew it within 2 days - my sister always saved hers forever, and she still has the first dime she ever made today. Still, I am not blaming my parents - they would certainly have explained anything I wanted to know if I'd asked, which I did not. My mom didn't want to know much about it, either - she let my dad handle it all, and he never seemed to mind that.

I'll never go back to the way I was. I still hate dealing with finances, though. I don't mind paying bills, but get really nervous when it comes to things like investing, etc.
I guess I'd rather be doing other things, am not that confident with those kinds of decisions, and sometimes I just think I might make the wrong decision. Also (no offense to anyone who loves dealing w/finances) but it sometimes is (to me) boring. Atttending accounting classes in college was (for me) a requirement, but excruciatingly boring, it is simply not my forte' - at all.

I was thinking of learning how to sell real esate, but am going to re-think that, if what is happening to the market is going to get worse. You all have some good points here on this thread about the market maybe crashing. Ironically, making a decision to buy or sell real esate is probably one of the biggest financial decisions anyone will ever make and I wouldn't mind (might actually enjoy) helping someone else do that (just not me).

- Susan.

< Message edited by SusanofO -- 7/9/2006 7:58:02 PM >

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That perches in the soul,
And sings the tune without the words,
And never stops at all". - Emily Dickinson

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RE: Money. - 7/9/2006 7:55:41 PM

Level

Posts: 25145
Joined: 3/3/2006
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quote:

ORIGINAL: popeye1250

Level, here in Myrtle Beach,SC we have a lot of people moving into the area from high cost areas up North, Florida and Calif.
You can buy three houses here, nice ones, for the price of one in those areas. That tells me that our prices are too low or the prices in those areas are too high.
One thing I look at in the way of "indicators" is the "inbound" and "outbound" lists of big movers like United Van Lines and Mayflower and companies like that.
That means are people moving "in" to a state or "out" of a state.
The Carolinas, Georgia, Kentucky and a few others are "inbound" states while states like Mass, NY, NJ, Calif, Fla and others are outbound states.
The biggest drop in real estate will be in Calif, parts of Florida and most of the North East especially Ny and Boston.

Popeye, I'm thinking "too high", but that is a totally uneducated guess lol. I see where you think the above-mentioned states would lose population; add in loss of insurers in hurricane risky areas in Florida, and that's one more incentive, for that state. It should be interesting to see how it goes .

Susan, good posts. Yes, you need to know how to save and manage money.
I grew up poor in Boston, my father being a Firefighter in the 50's, 60's and 70's when the job didn't pay that much.
We were always taught to save money from whatever we made after school. Never got "allowance" That's a great habit to instill in "unmentionables" as you call them. It's done me very well in life. I manage to save about a third of what I make now due to my circumstances and I just bought a new car and paid cash for it. If I want to do something like take a trip I know the money is there to do it.
If you guys want a very high yield on a stock of a growing company (17%) look up (NAT.)

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Fake the heat and scratch the itch
Skinned up knees and salty lips
Let go it's harder holding on
One more trip and I'll be gone

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Post #: 109

RE: Money. - 7/9/2006 8:15:25 PM

popeye1250

Posts: 18104
Joined: 1/27/2006
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Susan, I took Bus.Adm. too. And accounting (was) very boring!
Most of the stuff they were teaching at New Hampshire College
I had already learned in the military.
I actually enjoyed economics though!

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RE: Money. - 7/9/2006 8:18:32 PM

SusanofO

Posts: 5672
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Economics was a little more interesting to me, mostly because it seemed a lot more theoretical and on a macro (not a micro) scale, for the most part (the courses I took, anyway).. Especially in Cost Accounting, I always felt the least little error could make the entire company come crashing down and there was very little room for error. I have mild to moderate OCD, too, which probably didn't help (maybe).

- Susan

_____________________________

"Hope is the thing with feathers,
That perches in the soul,
And sings the tune without the words,
And never stops at all". - Emily Dickinson

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Post #: 111

RE: Money. - 7/9/2006 8:49:40 PM

EvilGeoff

Posts: 523
Joined: 8/24/2005
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quote:

ORIGINAL: zenofeller

..... But a Master usually will cover the slave's expenses,

Are you nuts?

The slave gets out there and gets a job and brings home the pay check. They're a _slave_, not a lay-about, they work for _me_ not the other way around.

Get your priorities straight here...

YIK,
- Geoff

(Side Note For The Humorously Impared: The above response is intended to be read with a tongue-in-cheek attitude. Who's tongue, and who's cheek? Please! I'm not a "french-kiss-and-tell" kinda guy!)

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Post #: 112

RE: Money. - 7/10/2006 10:34:40 AM

UtopianRanger

Posts: 3251
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quote:

ORIGINAL: CrappyDom

A significant factor in the vapid rise in real estate are the interest only loans that allow people to buy more house for the money. Well, when there is more money chasing the same amount of houses, you have the basic recipe for inflation and it drove the cost of houses through the roof. I sold a tiny 850sf house in Sacramento's urban core for $325k, a house that six years earlier was worth only 80k. When the economy adjusts for all the bullshit of the last 8 years, there are going to be some horrendous economic costs and people with the wrong kind of debt are going to be seriously fucked.

Excellent posts by both you and sinergy. I'll make this quick by saying that T. Jefferson once wrote... ''If we as nation ever allow the ''Bankers'' to gain total control of the money supply, our ancestors would wake up from their graves without ever having owned any property'' ; }

- R

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"If you are going to win any battle, you have to do one thing. You have to make the mind run the body. Never let the body tell the mind what to do... the body is never tired if the mind is not tired."

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